Make the Credit Card Companies March to Your Tune

Does it ever seem like credit card companies treat their customers like indentured slaves? The policies they use to handle accounts can be unscrupulous at best and downright outrageous at worst. If any other industry tried to cheat customers out of money like credit card companies do every day, they would be investigated and jailed. But our government doesn’t do that, so credit card companies seem to have a license to steal.

The Battle Against Credit Card Debt

Your credit card debt may be hard to get rid of because of how these companies handle your accounts. When you owe money to a credit card company, and they constantly hit you with fees, jack up your interest rates, and add charges for things like “membership dues,” it becomes clear that the debt carriers are the enemy, not your friend in trying to reduce debt.

To make these arrogant companies face the music, they have to know that they can be fired. But to put them on notice, you have to “be the boss.”

Taking Charge of Your Financial Destiny

If you receive dozens of credit card offers and already have multiple credit card accounts open, you have the flexibility to demand better treatment. Here’s how:

  1. Assess the Situation: Get a year’s worth of statements and track extra fees, membership dues, and interest rate increases.
  2. Demand Change: Call the company and insist on speaking to someone who can make changes to your account. If the clerk is unhelpful, begin the process of closing the account. This will get their attention.
  3. Make Your Voice Heard: When asked why you’re closing the account, express your grievances clearly and firmly. Demand a reduction in fees, a lower interest rate, or other improvements to your terms.
  4. Stay Strong: Be prepared for excuses and pushback. Remember, you have the power to take your business elsewhere.

Leveraging Your Premium Customer Status

Credit card companies rely on customers who carry debt and make payments. By standing up for yourself, you remind them that they need you more than you need them. Remember:

  • You Have Leverage: Don’t be fooled by claims that they can’t change the rules. You can demand refunds and threaten to file complaints with consumer protection agencies.
  • Know Your Rights: You are entitled to fair treatment and transparency. Hold the companies accountable for their actions.

Closing Statement

By asserting your authority and demanding fair treatment, you can make credit card companies march to your tune. Don’t let them take advantage of you—stand up for your rights and financial well-being.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. Always consult with a qualified professional before making any financial decisions.


Credit card companies may seem like Goliaths, but you have the power to make them listen. By understanding your rights, demanding fair treatment, and leveraging your premium customer status, you can take control of your financial destiny and ensure that credit card companies march to your tune.


1. Can I really demand changes to my credit card account? Yes, as a customer, you have the right to voice your concerns and request improvements to your terms.

2. What if the credit card company refuses to cooperate? Consider closing the account and taking your business elsewhere. There are plenty of other options available.

3. Will standing up to credit card companies affect my credit score? Closing accounts can impact your credit score in the short term, but standing up for your rights is more important in the long run.

4. How can I avoid getting into debt with credit cards? Practice responsible spending, pay off balances in full each month, and only use credit cards for necessary purchases.

5. Are there any legal protections against unfair credit card practices? Yes, consumer protection laws exist to prevent unfair and deceptive practices by credit card companies.